When purchasing home insurance, you’ll typically need to decide if you want a standard HO-3 homeowners insurance policy or a more limited HO-2 home insurance policy. HO-2 insurance typically costs a ...

An HO-3 policy is a form of home insurance that protects against property damage, legal liabilities and other expenses associated with unexpected disasters to the home. Most insurance companies' ...

Les Masterson is a deputy editor and insurance analyst at Forbes Advisor. He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, ...

Property and casualty agents sell several types of home insurance based on dwelling type. Homeowners insurance is not required by law, but mortgages can require it. Insurance providers allow you to ...